# CHEROKEE COUNTY
Rusk, TX · NCUA charter 13591 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cherokee-county-13591

Who the members are: federal charter, community charter, organized 1960, low-income designated. 4,860 members of 53,801 potential (9.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $45.5M |
| Members | 4,860 (1.4% YoY) |
| Full-time staff | 15 |
| Net worth | $12.2M |
| Net worth ratio | 26.7% (p89 of band) |
| ROA (annualized) | 1.24% (p78 of band) |
| Total delinquency | 1.24% (p67 of band) |
| Net charge-offs (annualized) | 0.32% (p69 of band) |
| Loans / shares | 86% (p88 of band) |
| Cash / assets | 26.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.54% (p75 of band) |
| Operating expense / assets | 4.35% (p67 of band) |
| Vehicles % of loans | 94% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.28% (p69 of band) |
| Vehicle NCO | 0.33% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p91 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 30% |
| Average share balance | $4,275 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,080 |
| Loans granted, annualized | $9.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | losing money, charge-offs p90 |  |
| 2016-12 | 3 | net worth falling | losing money |
| 2017-03 | 3 | delinquency rising | charge-offs p90 |
| 2017-06 | 1 |  | net worth falling, delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, charge-offs p90 |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 2 |  | net worth falling, charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | charge-offs p90 |  |
| 2021-12 | 4 | delinquency rising |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 4 | margin squeeze |  |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | charge-offs p90 |
| 2024-03 | 4 | charge-offs p90 | margin squeeze |
| 2024-06 | 4 | loan book shrinking | charge-offs p90 |
| 2024-09 | 5 | charge-offs p90, assets shrinking | delinquency rising |
| 2024-12 | 3 |  | loans>95% of shares, assets shrinking |
| 2025-03 | 2 | net worth falling | loan book shrinking, charge-offs p90 |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 3 | margin squeeze, charge-offs p90 |  |
| 2025-12 | 3 | delinquency rising, assets shrinking | margin squeeze, charge-offs p90 |
| 2026-03 | 4 | loan book shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-12 [Federal Prosecutors: Cherokee County Bookkeeper Stole Daily Cash Payments For Years - dallasexpress.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPYU5qeGNpVkhvMExlZG42WXFkVFMzSG9jZEFyZXVLMjJRTFBSekNlQ0U2WU45Y1kxQ09yNF9wSm1OMmhHMFM4VDJtT0hoMnN4ZHR3NkktTWg5QWhOa2h0TlR5ZDVMQUdxRWJfMFc4OE1jVGZGVHJIWVdsY1dkbWVoZ2M0clpjRXU5M09XMlpPTlpZUTlFNFFiVFZIc3RYdm5sOHJxejhfdTM5eGNwcjdmR2pKYk8wZw?oc=5) · dallasexpress.com
- 2026-04-01 [DOCUMENTS: Dallas trio charged with orchestrating ATM malware scheme in East Texas, other areas - cbs19.tv](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQaDI4UmdtWm4zN0laN3ZuWVpHbXBfOGxQYWNHM0Z2d1o2M2IwbnNreGV4VF9QOS1OX2RsY1BfSlAzQXRORnI0VlRtWkJaOUJXUVhOOGFvYnl1OHJ0NzluX2pVVjRiSWpnYnlIdTM2bEw4Mnd2dVVCZ2Q0VkYxWnFjc1FpYVdoWlZaRlB3cFpIR1N5Y3ZlenZKV1J6elNXQWhUZEprQ2Y1Unlpc1I2UlR6OWs1d0xSaDd1d1pMVXRwel84QjhMRkNOSkdPVkxlVVBQMmlYRThWVDk5UUk?oc=5) · cbs19.tv
- 2025-10-02 [The Falany's Jessica Akers is leaving for a new role - Cherokee Tribune](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNNW9ZTFFDMFRScGdQaV94bWlOTHVETzZFV0xXcmFuNVhMaUVLRHVIanRlV0h1R0xhaHJoNnlMc05nRTBFb2hJRGJPb0tNVkJPMjRRMl9QWVVmSTBLeDRXZEJiUUI3cTNiaUlpRXphMHc2TEM5U29pMDlFMy1TdUdKbTdEaHB4Vy1vTU05a2Q2azBiRWlXa2hIaDlRVVQ2Y2Rhem8tWEg3OVM2OE1yTWV4bzQ5blE5NjlHa2s5TDhZNW8wazlNOWZVUVF2eWxyUTc3NzUzaXhoWlF2Y19LMW40?oc=5) · Cherokee Tribune
- 2026-08-05 [Fire destroys soil mixing facility at Cherokee County plant nursery - KLTV.com](https://news.google.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?oc=5) · KLTV.com
- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2016-12-17 [Gary Lee Cassidy's Obituary, Visitation & Funeral Information - Bath-Naylor Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE8tNGdYN3lzZlJWOHlnX2Zaa3RZYlktYi13cWlHdEd3U2pCWkdZbDhXLXlDNk9TTXpXWl9oYnZ0ZmdjZzY2Z1FxWGNuRC05Y1pYOF9MN1o0cnZvNGs5bXRRODdlZXI3dmE1Q0tr?oc=5) · Bath-Naylor Funeral Home &amp; Crematory
- 2026-08-19 [Cherokee County jail inmate commits suicide, state report says - KLTV.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxORi00dy1XZkZNXzY1SzBTcERqSi04ZklLVUlyVFF4TXFzNmF0eXBlTjE1LUg0bnVwZl8wR3NOS2NnbWtzbF84SVhGNWZpbFRuaWVRQUw4SWFPanZyclFSMzRMWWRuRjFRdE1tRG1RZWw1R2NITlRyU2VkREtSYUFGeER6OFRLZ0lETFlzWi1JanZGMzVkX056WjZ30gGuAUFVX3lxTE5LTmFGZm9HVnJhWGFfaTZIMjdmUmVOV3ptNjJweHJ5aFdSUnlPZG5xcFBTNzVJVHg0TUVxb3RCanRZTmxoVERyVGdhT09HMldQcjZ2ei1HWmhTbEh3TGRFQkFEYjNuNWtycHBCUFpEWlN4bzdwdy13OFI0VjZBbnhmTy1rZ3lWQk9Qb0VaTElqdXdVUW9HOWFvbnBXb19jQ2dWNmhFQlZkN2pqM05aQQ?oc=5) · KLTV.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13591 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/23.json (key "13591", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13591
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide